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Seven Bank review

Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Seven Bank suits people in Japan who want a cheap debit card for everyday spending and a little cashback on what they buy. The monthly fee is ¥0, while the 3% conversion charge makes it a poor pick for spending outside the yen.

Key facts

Best for
A free debit card for day to day spending in Japan with cashback on every purchase.
Monthly fee
¥0↗
Currency conversion fee
3%↗
Card type
Debit↗
Cashback rate
0.5%↗
Card network
Local↗
Legal entity
Seven Bank, Ltd.↗
Headquarters
Japan↗
Founded
2001↗
Support channels
Help-centre↗
Features
Multi-currency, Travel
Official website
sevenbank.co.jp

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • Monthly fee of ¥0 on the debit card
  • Cashback of 0.5% on spending
  • Marked for multi-currency and travel use
  • Ranks 1 of 379 brands on monthly fee

Cons

  • Currency conversion of 3% sits at 202 of 237
  • Support runs on help centre only
  • The card is listed for travel and multi-currency (multi currency and travel) but runs on a local network
Seven Bank

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Scored 8.8 / 10 by HodlCue.

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Who it suits

  • People living in Japan who spend mainly in yen
  • Anyone who wants cashback on ordinary card spending
  • Travellers who already hold a Japanese bank account

Who should look elsewhere

  • Wise, if you convert currency often and cannot accept a 3% charge
  • Monzo Flex, if you want a wider support setup than a help centre

Where it sits among rivals

On monthly fee, Seven Bank ranks 1 of 379 brands while charging ¥0, so the card costs nothing to keep. Currency conversion tells the opposite story: the 3% charge places it 202 of 237, well back from providers built around converting money. Keep the account for local spending.

Trading and withdrawal fees

The monthly fee is ¥0, so there is no charge for holding or using the card. Currency conversion is the one cost to watch, at 3% on spending in another currency. That charge applies to the same debit card, not to a separate plan, and it is what separates Seven Bank from cards priced mainly on how little they take when you spend abroad.

How Seven Bank compares

Where Seven Bank is available

Available
Japan

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Seven Bank debit card cost each month?+

The monthly fee is ¥0, so the card costs nothing to hold. That is why it ranks 1 of 379 brands on this measure. Any cost to the account comes from currency conversion rather than the fee itself.

What does it cost to spend in another currency?+

Currency conversion is charged at 3% when the card is used outside yen. That rate places Seven Bank 202 of 237 on currency conversion, so the card earns its place at home rather than abroad.

Is there cashback on spending?+

Yes. The card pays cashback of 0.5% on purchases, which adds to the monthly fee of ¥0. The rate is modest and aimed at ordinary retail spending, and the rewards sit on the same debit card, so nothing extra is needed to collect them.

What kind of card is it?+

It is a debit card, so spending draws directly on the bank account balance rather than on a prepaid balance. The card runs on a local network, which is why it is used in Japan rather than overseas.

Who is this card aimed at?+

Seven Bank is JP based and its card is listed for multi-currency and travel use, though the 3% conversion charge makes it a poor choice for heavy overseas spending. It suits people living in Japan who buy in yen, and the monthly fee of ¥0 keeps that use cheap.

How do I get help with the account?+

Support runs on help centre. Phone and live chat are not among those channels, so answers come from published material rather than a direct conversation. That setup suits quick self-serve checks on fees and the cashback rate of 0.5%.

How old is the bank behind the card?+

The legal entity is Seven Bank, Ltd., founded in 2001 and based in Japan, so the account sits with a long-established bank rather than a recent entrant. Its debit card is built for Japanese day to day spending.

How does the cost compare with other cards?+

On the monthly fee the card is free at ¥0, matching providers such as Wise at £0 and Monzo Flex at £0. The gap opens on currency conversion, where 3% is the weak point.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Seven Bank

Seven Bank

A free debit card for day to day spending in Japan with cashback on every purchase.

8.8/10See alternatives